Exploratory Research on Customers’ Resistance to Adopt Mobile Banking: A Case of Pakistan
[1]
Faheem Gul Gilal, Dongling School of Economics and Management, University of Science and Technology Beijing, Beijing, P. R. China.
[2]
Yang Jianhua, Dongling School of Economics and Management, University of Science and Technology Beijing, Beijing, P. R. China.
[3]
Rehman Gul Gilal, Department of Business Administration, Shah Abdul Latif University, Khairpur, Pakistan.
[4]
Rukhsana Gul, School of Management, Wuhan University of Technology, Wuhan, P. R. China.
This study aimed at to investigate the factors, which cause resistance to adopt mobile banking in Pakistan. This study used non-probabilistic sampling technique; particularly convenience and judgmental techniques were applied. The total sample size for this study was 300 (N=300) respondents, who enrolled in undergraduate, graduate and doctoral degree programs in top Business Schools of Pakistan. Finally, the data was analyzed by using inferential statistics, particularly one sample t-test and crosstabs techniques were adopted. The results of this study revealed that respondents are reluctant to adopt mobile banking service in Pakistan, due to the facts that respondents feel new technology is too much complicated, they believe mobile banking does not offer any comparative advantage, changing PIN codes in mobile banking is not convenient, mobile banking service does not increase capability to control financial matters, respondents think that mobile banking service is difficult to use and there will be no any privacy.
Mobile Banking, Innovation, Customer’s Resistance, Usage Barrier, Value Barrier, Traditional Barrier, Image Barrier, Risk Barrier
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